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Personal Accident Insurance Quotes, Accident Insurance Directory
UK insurance directory listing personal accident insurance companies, under multiple keywords, search our website for insurance brokers and insurance companies
Accident & Emergency: Theory and Practice by Brian Dolan MSc(Oxon) MSc(Nurs) BSc(Hons) RMN RGN CHSM and Lynda Holt MA RGN EN(G) DipHS (Paperback - 11 Oct 2007)
Accident and Emergency Radiology: A Survival Guide by Nigel Raby FRCR Dr., Laurence Berman MB BS FRCP FRCR Dr., and Gerald de Lacey MA FRCR Dr. (Paperback - 28 Jan 2005)
Oxford Handbook of Emergency Nursing (Oxford Handbooks in Nursing) by Robert Crouch OBE, Alan Charters, Mary Dawood, and Paula Bennett (Paperback - 23 April 2009)
Get Through Accident and Emergency Medicine (Get Through Series) by Amy Herlihy and Amy Herlihy A (Paperback - 9 Oct 2006)
Emergency Nursing Made Incredibly Easy! (Incredibly Easy! Series) by Springhouse (Paperback - 1 July 2006)
Oxford Handbook of Accident and Emergency Medicine (Oxford Medical Publications) by Jonathan Wyatt, Robin N. Illingworth, Michael Clancy, and Colin E. (Consultant in Accident and Emergency Medicine Robertson (Paperback - Nov 1998)
Emergency Medicine: Emergency and Acute Medicine - Diagnosis and Management (A Hodder Arnold Publication) by Anthony F.T.Brown and Michael D. Cadogan (Paperback - 27 Oct 2006)
Personal accident, accidental death or dismemberment insurance policies have a benefit which is paid in the case of accidental death or injury. Some policies may pay for partial dismemberment, for instance loss of limb, sight or hearing due to some type of incident which causes bodily harm.
Personal accident insurance applies to those part of the workforce who are sole traders, running businesses on their own or those who are self employed (in some case employees). These type or group of people have no one else to rely on when an emergency happens and they cannot work, which ultimately means loss of their income or additional protection by an employer.
Further these type of policies can provide either a weekly benefit or a lump sum amount, due to some type of injury or accident which stops us doing our work. These policies help in the person cover for what they need and for what period they need it for. The person can be covered for either accident and illness or accident only. These policies are flexible and vary from insurance company to insurance company. The person taking out the policy must fully read and understand the terms and conditions under which the insurance will eventually pay or will not pay. This is where the services of an experienced financial advisor can help. Some policies have exclusions and could make the policy taken out worthless.
In the end one has to protect onseself and the family with protected cashflow, if one ends up in an accident and becomes hospitalised or totally or permanently injured. Personal accident insurance cover can apply to accidents at work, on the road or on holiday ( see individual policy exclusions). There is no tax to pay on the received benefits and normally applies between the ages of 18-69.
The benefits normally available in the case of an accident or injury involve:
Statistics show that accidents are a major cause of injury or death of working people. There are many people who may have not considered the possibility of what will happen if there is an accident, especially those who are self employed and have a young family. The question is who is going to carry your wages or salary if you cannot work. It is hoped that personal accident insurance will be payable in the case of serious accidents or injuries. They will ultimately help our loved ones, so that their future is more secure.
As part of life insurance personal accident insurance can be an affordable addition to the life insurance premium. Some insurance policies do not cover for every event and personal accident insurance can help to close any pit falls in other insurance policies.
The benefits which are available under this type of insurance can be:
These policies can provide 24 hour full week cover and can cover most age groups. But some policies have a upper age limit which needs to be checked. Having 24 hour cover everyday of the year may be a great benefit when you take into account your life style. So having such emergency cover reduces the chances of something major happening affecting our income flow.
When taking out personal accident insurance you need to ask these questions:
Companies that can provide personal accident insurance are:
Premium is calculated upon:
Injuries in the work place are common and result from:
Money saving Tips for Personal Accident Insurance
Take out lpersonal accident insurances if your have a family.